Bill,I surely agree it should not have been necessary to zero out the return and start over....trust me, in this particular case, TT was relentless. I erased all mention of IRAs, put in other things, went back to the IRA section and started over, only to be told I couldn't enter my wife's contribution to her traditional IRA because of the Roth even though I had deleted everywhere(!) all mention of that. Confusing, yeah. Thanks for your response. Perhaps it's because I use a Mac. Sometimes things originally written for PCs and "converted" for Macs aren't quite "right." Maybe...just guessing. I'm not dissing TT, just urging caution.Rick

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